Although restaurants, taverns, and hotels are all different risks, they do share some of the same exposures. Restaurants and taverns even have the same SIC code, 5812 and 5813, eating places and drinking places. These are not the only similarities.
Liquor liability, cooking exposures, slip and falls and crime are all major concerns that the various elements of the hospitality industry share in common. Although not all restaurants serve alcohol, most hotels have a lounge/bar exposure along with cooking done on premises. Because the public comes in and out of all of these establishments, slip and falls can occur. Many restaurants and most hotels host large gatherings--from Christmas parties to conventions. This adds to the possibility of incidents that can turn into a claim. Additional areas and activities to monitor for hotel/motels include swimming pools, barber and beauty shops, gift shops, valet and limo services and entertainment. Resort hotels where guests can participate in trail rides, canoeing, golf, and tennis present concerns depending on whether the hotel is the provider or a vendor is involved. If there is an outside source, a certificate must be obtained and the business entity will need to be listed as additional insured or additional named insured with the vendor's carrier.
NBC's "Dateline" recently aired a segment about guests being robbed, beaten or sexually assaulted in their hotel rooms. In the cases shown, the inns' security and surveillance systems did not appear to function properly. This builds a good case for loss control prior to placing coverage for both the insurer and client; neither wants to pay out dollars in claims or higher premiums as the result of a major loss. If your carrier doesn't provide loss control services, you may want to offer that service to the insured on a fee basis.
While high cash exposures are prevalent in both the restaurant and tavern business, the hotel risk must address crime coverages for employee theft of patron property, money, and other goods. Carrying out background and reference checks when hiring employees will help minimize future losses.
Workers compensation carries a high loss potential because of the cooking exposures that exist in restaurants, taverns and hotels. Cuts, burns, and slip and falls top the list of occurrences for kitchen employees, while back injuries, eye, lung, or skin irritation and reactions are of concern for the maintenance staff. If the business performs its own lawn care, the handling of certain chemicals needs to be monitored.
Taverns, and restaurants that serve liquor face the problem of serving minors and intoxicated customers. If a tavern serves food, it, along with the restaurants, faces the risk of food-borne illness due to contaminated food products. Taverns and bars, particularly ones with entertainment, also have the exposure of assault and battery losses from employees who have the task of ejecting rowdy customers. Assault and battery is excluded on the majority of policies although it can be purchased separately as a buy-back.
Of the three risks, restaurants, especially new ventures, face an uphill battle for at least the first year. This period of time is financially critical to the future success of the business. One-third of restaurants will fail in the first year, half the second and after five years 80% will have gone out business or will have been sold. It important to obtain financial documents to satisfy your underwriter that your client is not included in those statistics.
We have addressed the major areas of concerns regarding loss control and underwriting. Now let's look at what the markets are doing. We received over 40 responses to our survey of the hospitality niche of specialty markets. This is a positive sign. For the most part, the market appears to be much the same as other lines of business in that some portions are showing signs of either tightening or firming. Capacity seems not to be an issue because many markets have responded that they have unlimited capacity if the risk qualifies from an underwriting standpoint. There does seem to be an exodus of carriers although not on a grand scale.
J. Scott Klein, president of Klein Insurance Services of Clifton, New Jersey, states that "more carriers are moving out than in" and "that is a change from the last five to seven years when carriers were moving into the market." Klein Insurance Services writes hotel and motel business in all 50 states. While the general liability remains soft, the property side is taking a different stance according to Klein. "Property rate increases are moving up on the coastal locations and moving inland; two major insurers are looking at 10% to 25% rate increases."
National Specialty Underwriter, Inc., is a program manager specializing in the hospitality industry. It offers general liability, umbrella/excess, property, crime, boiler and machinery, workers compensation, and EPLI. NSU uses purchasing groups, created by the Risk Retention Act of 1986, to group together individual hotel accounts into groups, which are characterized by the same market segmentation employed by the hospitality industry.
Chris Randall, president of NSU, says, "By concentrating individual accounts in groups, we are able to offer a more stable product and greater services from our companies. This means that there is a greater credibility of pricing which leads to greater long-term stability. We still allocate pricing to individual accounts based on their risk characteristics and loss experience but can do so under a more stable environment.
"We have watched numerous insurance companies target the hospitality industry over the past 10 years. They will invariably under-price the product in an effort to justify their efforts and then dramatically modify their risk selection and pricing. It appears we are nearing the end of this process with many of the large carriers. As companies start to pay more attention to underwriting results, we believe an opportunity is developing for a strong service market." NSU provides claims service along with underwriting services.
Randall states that with insurance companies curtailing resources in services such as claims and loss control, fewer customers are able to enjoy consultative services as they did two to three years ago--even accounts with as much as $1 million in premium. "We are leveraging the volume of our entire book of business to either receive a higher level of service from our companies or supplement those services outside of the insurance companies.
"Some of the claim issues we see troubling hotels include building ordinance for property insurance, innkeepers liability, exceptions to the pollution exclusion, and third-party discrimination." Randall further states, "It may be a result of intense competition in a soft insurance market cycle, but we do see a considerable amount of under-valuation of property value. This may give insureds a lower premium, but chances are they are not fully aware of the consequences."
Randall comments that their largest losses come from liquor liability, assault and some unpredictable miscellaneous events.
Regarding pricing he says, "There does appear to be an overall firming of pricing in the market. Although the truly good quality accounts are pretty flat, the accounts with more difficult exposures or with poor claims experience are moving up far more than in previous years."
It would seem that the hospitality market is still a viable market to pursue. There does appear to be some firming although not across the board. This follows the pattern of other classes of business today.
The following is a list of markets that responded to our survey and indicated that they specialize in all or a portion of the three main classes of this industry. Refer to specific territories, coverage, and target markets listed.
American Security Underwriters Agency
111 John St.
New York, NY 10038
Contact: Abe Snyder
Phone: (888) 488-POWER
Fax: (212) 619-3818
E-mail: asnyder@amc-1.com
Web site: www.amc.to
An MGA operating in NJ, NY and the Northeast offering limits of liability of $1 million/$2 million, property limits as needed, and a
$50 million umbrella facility for restaurant purchasing groups. All carriers are A rated or above.
Atlantic Specialty Lines, Inc.
9201 Forest Hill Ave., Ste. 202
Richmond, VA 23235
Contact: Greg Provenzo
Phone: (800) 368-2095
E-mail: gregprov@atlanticspecial.com
An E&S broker operating on the East Coast--primarily the Mid-Atlantic states--offering limits of liability up
to $10 million and property limits
$1 million under contract in house. Target markets include restaurants, bars, taverns, and hotels. Liquor liability, crime, spoilage, signs, glass, excess and umbrella also are available. Various A rated carriers are utilized to place business.
Baldinger Insurance Services, Ltd.
22 Village Square
New Hope, PA 18938
Contact: Sandy Baldinger
Phone: (800) 877-2348
Fax: (215) 862-4505
An agency operating nationwide offering limits of liability on primary of $1 million/$2 million and up to $250 million on umbrella. Target market is hotels with a minimum premium of $25,000. Workers compensation, EPLI, garage keepers legal liability, and assault and battery are offered. Legion and United National are the A rated carriers.
BAT Insurance Corp.
465 S. Beverly Dr., Ste. 110
Beverly Hills, CA 90212
Contact: Tony Trocino
Phone: (310) 282-0753
Fax: (310) 282-7133
An E&S broker operating in CA offering up to $10 million on property and unlimited on liability with umbrella. No bar and restaurant operations with "bouncers." Western Specialty and RLI, an A rated insurer, are the carriers.
Bohrer, Croxdale & McAdoo, Inc.
P.O. Box 2760
Springfield, MO 65801
Contact:
Missouri and Kansas
Yvonne Bohrer
Phone: (800) 779-2550
Fax: (888) 869-2550
Arkansas
P.O. Box 1190
Conway, AR 72033
Phone: (800) 594-5101
Fax: (800) 726-7707
An MGA/E&S broker operating
in AR, KS and MO offering up to
$3 million on primary liability, unlimited umbrella limits, and
$5 million and up on property limits. Package product and liquor liability is offered. A rated or better are utilized to place coverage.
Burns & Wilcox, Ltd.
30833 Northwestern Hwy., Ste. 220
Farmington, MI 48334
Contact: Home office for local branch
Phone: (800) 521-1918
An MGA/wholesale broker operating in all states except AK,
HI, MA, ME, NH, NJ, NY, WA
and VT. No cap on limits. Liability $50 million and up with property $25 million and up. Liquor liability and auto also are available. Various A rated or better carriers are utilized to place coverage.
Carnegie Insurance Services Corp.
17700 Broadway Ave.
Cleveland, OH 44146
Contact: Scot Russell, Ext. 3206/Scot Wilkinson, Ext. 3205
Phone: (800) 362-2411
Fax: (440) 439-5551
E-mail: cisco@stratos.com
An MGA operating in Fl, IL, IN and OH offering liability limits of
$10 million/$10 million. Liquor liability can be included in the package policy. Assault and battery can be provided with any risk including adult entertainment. All classes are considered. Various A rated or better are utilized to place business.
Central Insurex Agency, Inc.
800 S. Washington St.
Van Wert, OH 45891
Contact: Kurt Muntzinger
Phone: (800) 736-7131
Fax: (800) 736-7026
E-mail: KurtM@Central-insurance.com
An MGA/E&S broker operating in IL, IN, and OH offering liability limits of up to $2 million. Target markets are restaurants, taverns and bars. Liquor liability and food spoilage (power outage only) up to $5,000 also is available. Various
A rated carriers are utilized to place coverage.
CRM Insurance Services
14168 Poway Rd., Ste. 108
Poway, CA 92064
Contact: Steven Shea, V.P.
Phone: (800) 748-5615
Fax: (853) 679-0775
E-mail:
crm@connectnet.com
An MGA operating in most states offering up to $250 million on liability and $450 million per location. Liquor liability and professional liability for spa operators also are available.
The target market is middle-market franchised properties. Package business is placed with Legion Insurance Company, an A rated carrier.
Crump Insurance Services, Inc.
7557 Rambler Rd., Ste. 350
Dallas, TX 75231
Contact: Greg Baker
Phone: (800) 522-7867
E-mail:
gbaker@crumpbrkr.com
Web site: www.crumpins.com
An MGA operating in AL, AR, CA, FL, GA, LA, MI, MS, NM, NY, OK, OR, TN, TX and WA. Limits of liability offered are $1 million/
$2 million, as well as liquor liability and property. All classes are considered. Various A rated or better carriers are used.
Crusader Insurance Company
23251 Mulholland Dr.
Woodland Hills, CA 91364
Contact: Mark Neiman
Phone: (800) 669-9800
Fax: (818) 591-9856
An insurer operating in AZ, CA, KY, MT, NV, OH, PA, TX and WA, offering limits up to $3 million on property and liability. Liquor legal liability also is available. Target markets include bars, nightclubs, restaurants, micro breweries, hotels and motels. Crusader Insurance Company is an A rated carrier.
Excel Insurance Services, Inc.
301 Oxford Valley Rd., Ste. 402A
Yardley, PA 19067
Pennsylvania
Contact: Dennis Pellegrino, President
Phone: (877) 369-2999
Fax: (215) 369-2917
E-mail: dennis@excelins.com
New Jersey
Carol Hastings
Phone: (877) 530-0111
Fax: (609) 538-0661
E-mail: carolh@excelins.com
An E&S and wholesale broker operating in NJ, NY and PA offering limits of up to $1 million/$2 million on primary, no cap on property limits, and excess available. Liquor liability, non-auto, crime, and assault and battery also are offered. Target markets are restaurants, taverns, nightclubs, and hotels/motels, seasonal and coastal included. Various carriers rated B+ or better are utilized to place coverage.
Gateway Underwriters Agency
755 S. New Ballas Rd., Ste. 130
St. Louis, MO 63141
Contact: Barbara Smeltz
Phone: (800) 325-7652
Fax: (314) 567-4552
An MGA/E&S broker operating in AR, IA, IL, KS, MO, NE and OK offering limits of up to $3 million occurrence/aggregate on primary liability. Workers compensation, liquor liability, and EPLI also are available. Scottsdale, Western World, Nautilus, and First Financial/Burlington are carriers utilized to place business.
Good Weather Insurance
Agency, Inc.
76 Lafayette St.
Salem, MA 01970
Contact: Lauralee Tillman
Phone: (800) 324-7759
Fax: (978) 740-9052
E-mail: ltillman@goodweather.net
Web site: www.goodweather.net
A program administrator operating in all states and Canada offering limits of up to $1 million for weather insurance for all classes of business. The carrier is Reliance National Insurance Company.
H.R. Keller & Co., Inc.
1520 Sheridan Dr.
Buffalo, NY 14217
Contact: Rob Martin
Phone: (800) 424-2202
Fax (716) 874-4920
A general agency and wholesaler operating in NY offering $1 million and up for liability limits. Target markets are bars, taverns, restaurants, hotels and motels including ones with live entertainment, dance floors, and seasonal exposures. Liquor liability, workers compensation and DBL are available. Carriers are B+ or better.
HEATH Insurance Brokers, Inc.
3100 Monticello, Ste. 900
Dallas, TX 75205
Contact: Rosemarie Marshal, V.P.
Phone: (800) 528-5544
Fax: (214) 528-9101
E-mail: rmarshall@hibi.com
An MGA/E&S broker operating in all states offering large capacity for all lines. Liquor liability, umbrella/excess, employee benefits, EPLI, spoilage, boiler and machinery, crime, inland marine, and EDP are available. Carriers include General Star, Audubon, Burlington, American Equity, Interstate, First State, Admiral, RLI/Mt. Hawley, Scottsdale, and Lloyd's of London.
High Performance Programs Group (HPP Group)
10 S. LaSalle St., Ste. 3000
Chicago, IL 60603
Contact: Ralph Blust
Phone: (888) 852-4969
E-mail: Blust-ra@willis.com
An MGA operating in all states offering $1 million/$1 million on primary liability limits. Workers compensation also is available. Target markets are hunting and fishing lodges. An A rated or better carrier is utilized to place coverage.
International Excess & Treaty Managers, Inc.
Massasoit Office Park, Ste. 113
400 Massasoit Ave.
East Providence, RI 02914
Contact: Jim Kelley/Tom Kelley/Andrew Piper
Phone: (800) 343-7999
Fax: (401) 434-0277
E-mail: ietmri@aol.com
Web site: www.ietm.com
An MGA operating in CT, DC, MA, ME, NH, NY, PA, RI, VT and WA, offering limits of up to $5 million for primary liability and up to $20 million on property. Liquor liability also is available. All classes are considered, including nightclubs and social clubs. Various A rated or better carriers are utilized to place coverage.
Izzo Insurance Services, Inc.
7234 W. North Ave.
Elmwood Park, IL 60707
Contact: Michael C. Jones
Phone: (708) 452-1700 (inside Illinois)
(800) 800-1704 (outside Illinois)
Fax: (708) 452-1777
An MGA/agency operating in all states offering EPLI limits for
$1 miilion/$2 million and workers compensation for the hospitality industry. Carriers include Great American, Legion Insurance Company, Frontier, Virginia Surety, and Casualty Reciprocal.
J.M. Wilson
8036 Moorsbridge Rd.
Portage, MI 49024
Contact: Karen Stites, V.P.
Phone: (800) 666-5692
Fax: (616) 327-4131
E-mail: Karen-Stites@jmwilson.com
Web site: www.jmwilson.com
An MGA operating in IL, IN, MI, OH and WI offering liability limits of up to $20 million. Liquor liability and workers compensation also are available.
Jimcor Agencies
15 Ver Valen St.
Closter, NJ 07624
Contact: Coryn Mastowski
Phone: (800) 345-1528
Fax: (201) 785-7901
E-mail: cmastowski@jimcor.com
Web site: www.jimcor.com
An MGA/E&S broker operating in DE, MD, NJ, NY, PA and other Mid-Atlantic states offering liability limits of up $25 million and up to $50 million on property. Liquor liability, workers compensation, boiler and machinery, and umbrellas are available. All classes are considered. A rated or better carriers are utilized to place coverage.
Johannes Companies
P.O. Box 41246
Dayton, OH 45441
Contact: Diane Michaud, package/
Elizabeth Stroermer, monoline liquor liability
Phone: (800) 333-7394
Fax: (937) 433-5936
E-mail: johannesco@aerthlink.net
An MGA operating in IN and OH offering primary limits from $100,000 to $1 million and up to $10 million on excess. All classes are considered. Hotel vehicles, buses, vans, airport transportation, hotels, habitational risk including apartments above bars can be placed. Various A rated or better carriers are utilized to place coverage.
Klein Insurance Services
855 Valley Rd.
Clifton, NJ 07013
Contact: J. Scott Klein, President
Phone: (973) 773-5101
Fax: (973) 773-8176
E-mail: kisinc1@aol.com
A wholesaler operating in all states offering up to $100 million umbrella. Target markets are hotels and motels. EPLI also is available. A rated carriers include Transnational, Columbia Casualty, Indemnity Insurance Company of NA, Hartford Steam and Boiler, and Fidelity and Deposit.
McSweeny Agency E&S
505 High St.
Burlington, NJ 08016
Contact: Richard McSweeny
Phone: (800) 564-6454
Fax: (609) 387-7171
An MGA operating in NJ and PA offering liability limits of up to
$21 million, property up to $20 million and liquor liability up to $11 million. All classes are considered, and limits will vary by risk. Catering risk, special events, and event cancellation also can be placed. Various A rated carriers are utilized to place coverage.
Metcom Excess
P.O. Box 3140
Cliffside Park, NJ 07010
Contact: Charles T. McCloskey, Jr.
Phone: (800) 521-1717
Fax: (201) 945-0724
E-mail: metcomex@bellatlantic.net
An MGA operating in NJ, NY and PA offering liability limits of $1 million for primary, $4 million property, $1 million on liquor liability, and up to $5 million on umbrella. All classes are considered. Carriers include Columbia Casualty, Transcontinental, First Specialty, Preferred National, Heritage, and Lloyd's of London.
Middle Georgia Hospitality
P.O. Box 1187
Jackson, GA 30233
Contact: Brad Brown, President/
Susan Lovick, Underwriting
Phone: (800) 635-4141
Fax: (770) 233-8125
Web site: www.mginsurance.com
A program administrator operating in AL, AR, AZ, CO, DC, GA, KY, MD, ME, MN, MO, NC, TN, TX and WI. Limits of liability options are $1 million/$2 million or $2 million/
$4 million written on a BOP with no coinsurance. The target market is limited-service hotels with no restaurants, lounges or bars. The
A rated carrier is Safeco through select markets.
National Insurance Professionals Corp.
1040 N.E. Hostmark St., Ste. 200
Poulsbo, WA 98370-7454
Contact: Jamie Augustine, Mgr., Commercial Package Division
Phone: (800) ASK-NIPC (275-6472)
Fax: (360) 697-3611
E-mail: insurance@nipc.com
A program administrator operating in AZ, CA, NV, OR and WA offering liability limits of $1 million/
$2 million and $1 million on liquor liability. Property, inland marine, business income, exterior signs, food spoilage, crime, and excess are also available. Target markets are family-style restaurants. New ventures and locations are acceptable with prior restaurant management experience; no taverns or hotels are considered. The A rated carrier is CBIC.
National Specialty Underwriters, Inc.
155 108th Ave. NE, Ste. 501
Bellevue, WA 98004
Contact: Shelbi Nicholson, Ext. 102
Phone: (425) 450-1090
Fax: (425) 450-1026
E-mail: snicholson@nsui.com
Web site: www.nsui.com
A hotel program manager operating in all states offering blanket limits. Package coverage consists of general liability, auto, workers compensation, boiler and machinery, crime, and EPLI. Monoline property designed for the hospitality risk is available. Target markets are hotels, motels and resorts. The A rated carriers are Safeco and St. Paul.
North Island Facilities, Ltd./
NIF Pro
30 Park Ave.
Manhasset, NY 11030
Contact: Underwriting
Phone: (800) 892-8892
Fax: (516) 365-7392
E-mail: nifmail@aol.com
An MGA/E&S broker operating
in CT, MA, NH, NJ, NY, PA and RI offering liability limits of up to
$10 million. Property, excess, liquor liability, and workers compensation also are available. A rated or better carriers include First Financial, U.S. Liability, and Scottsdale.
Princeton Risk Managers, Inc.
201 Wall St., Research Park
Princeton, NJ 08540-1567
Contact: Jim Griffith or Chris Nucera
Phone: (800) 776-0099 (outside New Jersey)
(800) 582-7607 (inside New Jersey)
An E&S and specialty insurance broker operating in CT, NJ, NY and PA offering limits of $1 million on primary and $10 million plus on excess. Liquor liability also is available. Various A rated or better carriers are utilized to place coverage.
R.J. Bostick & Associates, Inc.
38029 Third St.
Willoughby, OH 44094
Contact: Robert J. Bostick Jr., V.P.
Phone: (800) 969-2463
Fax: (440) 942-3363
E-mail:
jrbostick@rjbostick.com
An MGA/E&S broker operating in all states offering unlimited liability based on quality and geographical location of the risk. Property and liquor liability also are available. Various A rated or better carriers are utilized to place coverage.
Restaurant Owners PG, Inc.
41 N. Main St.
West Hartford, CT 06107
Contact: Stephen Carr, Marketing/John Willsey, Underwriting
Phone: (800) 356-0168
Fax: (860) 561-6709
E-mail:
stevec@shsmith.com
Web site: restaurantpg.com
A purchasing group providing umbrella liability for the restaurant and food service industry. Limits up to $15 million are offered. Liquor liability also is available. Available in all states except AK, IA, ID, IN, KS, ND, NE, NM, WV and WY. Target markets are restaurants or food service operation with liquor receipts 35% or less. The A rated carrier is Great American.
Robert A. Schneider Agency
5620 Smetana Dr., Ste. 350
Minnetonka, MN 55343
Contact: Penny Janowiec
Phone: (800) 862-6038
Fax: (612) 938-0701
An MGA/E&S broker operating in IA, MN and WI offering liability limits up to $3 million. Auto, liquor liability, and umbrella also are available. All classes are considered. A rated or better carriers include Penn-American, United National, General Star, and Lexington.
Roush Insurance Services, Inc.
P.O. Box 1060
Noblesville, IN 46061
Contact: Jerry Roush
Phone: (800) 752-8402
Fax: (317) 776-6891
An MGA/ E&S broker operating in IL and IN offering liability limits of $3 million and property limits of
$1 million in-house with facilities to place higher limits as needed. Liquor liability, workers compensation, inland marine, and equipment breakdown also are available. All classes are considered. A rated or better carriers include Scottsdale, American Equity, Century Surety, Gainsco, and AXA Global Risks.
Russell Bond & Company
866 Endicott Square
295 Main St., Ste. 866
Buffalo, NY 14203
Contact: Chris Moyer, Ext. 149/
Jeff Latke, ASLI, Ext.147
Phone: (800) 333-7226
Fax: (716) 856-0403
E-mail: cmoyer@RussellBond.com
Jlatke@RussellBond.com
An MGA operating in NY offering liability limits up to $3 million on primary and excess up to $10 million. Property, liquor liability, excess hired and non-owned auto, workers compensation and umbrella also are available. All risks are considered. A rated or better carriers include Scottsdale, USLI, First Financial, and Colony.
S.H. Smith & Company
41 N. Main St.
West Hartford, CT 06107
Contact: Jeff Parmenter
Phone (800) 356-0168
An MGA/E&S broker operating in all states offering liability limits up to $10 million. Liquor liability also is available. Target markets include bars, taverns, and special events. Carriers include Mt. Vernon, U.S. Liability, and General Star.
Specialty Insurance Agency
P.O. Box 448
Brielle, NJ 08730
Contact: Mel Watters
Phone: (800) 836-1400
Fax: (732) 223-4676
An MGA operating in CT, DE, FL, GA, IA, IL, MA, ME, MI, MO, NC, NH, NJ, NY, PA, RI, SC, TN and VT. Limits of liability for $1 million and $5 million on property are offered. Target markets are bars, restaurants, hotels and motels. Risks that are seasonal or new and that have entertainment are considered. Security Indemnity B+, and A rated Reliance and Fairfield are the carriers.
Surplus Insurance Brokers Agency, Inc.
P.O. Box 749
South Bend, IN 46624
Contact: Carol Dhoore
Phone: (800) 342-5707
Fax: (800) 578-7758
E-mail: cdhoore@surplusins.com
An MGA operating in IL and IN offering liability limits of up to
$2 million. A rated carriers include Capitol Indemnity, Scottsdale, and Northfield.
Unifax Insurance Systems, Inc.
23251 Mulholland Dr.
Woodland Hills, CA 91364
Contact: Mark Neiman
Phone: (800) 669-9800
Fax: (818) 591-9856
An MGA operating in AZ, CA, KY, MT, NV, OH, OR, PA, TX and WA. Limits of up to $3 million on liability and property are offered along with liquor liability. Target markets are bars, restaurants, nightclubs, micro breweries, hotels and motels. The A rated carrier is Crusader.
United Brokers Inc.
P.O. Box 1243
New Albany, IN 47151
Contact: Tricia Coffey
Phone: (800) 444-4824
Fax: (812) 949-4015
An MGA operating in IN, KY and OH. Liability limits will vary by risk and carrier. Property and crime also are available. The A rated carrier is Penn-American.
Unity Risk Partners Insurance Services, Inc.
3021 Citrus Circle, Ste. 220
Walnut Creek, CA 94598
Contact: Todd Smith, property/package
Debbie Sunderland, liability/excess
Phone: (925) 942-4020
Fax: (925) 942-4021
E-mail: maitland@unityrisk.com
Web site: www.unityrisk.com
An underwriting manager operating in all states except AK and HI offering liability limits of
$1 million/$2 million and
$1 million/$1 million. Property limits up to $25 million are also available. A rated or above carriers are United National Insurance Company and Diamond State Insurance.
Van Wagoner Companies, Inc.
1100 Jupiter Rd., Ste. 121
Plano, TX 75074
Contact: Rhonda Gibson
Phone: (800) 727-9999
Fax: (974) 423-7770
An MGA operating in all
states except IL, FL, KY and NY.
$1 million CSL on liability and
$1 million on property are offered. Liquor liability also is available. The target markets are small hotels, bars, and restaurants. The insurer is Lloyd's of London.
W.A. Schickedanz Agency
P.O. Box 445
Belleville, IL 62222
Contact: Sue Yates/Dave Miller, package
Dick Palmer, liquor liability
Phone: (800) 869-9976
Fax: (618) 233-0672
An MGA operating in IL and MO offering property limits of $2 million. Inland marine, general liability, liquor liability and crime also are available. The A rated carriers are Northland and Lloyd's of London.
Walton Risk Services, Inc.
919 N. Michigan Ave.
Chicago, IL 60611
Contact: Francis P. McGovern
Phone: (312) 649-1633
Fax: (312) 649-6743
An MGA operating in 45 states on a nonadmitted basis. Limits of liability are $2 million/$2 million on primary, $1 million/1 million liquor liability, and up to $5 million on property. Property, casualty, and liquor liability can be placed on a package or monoline basis. Target markets include restaurants, bars, taverns, nightclubs, private clubs, and package stores. The insurers are Agora Syndicate, B rated and Clarendon America, A rated. *
©COPYRIGHT: The Rough Notes Magazine, 2000